Refinance now?
3.75 fixed 15 year, $350 out of pocket for appraisal... $1500 fees rolled into note.
Converting variable rates into a lower fixed rate (for all kinds of debt) is something of a no-brainer.
I've discussed this with Danny Haynes of Greenlight Financial in Irvine and Ryan O'Kane at Turn Key Mortgage in Laguna Hills.
I can't imagine rates going much lower.
Mark
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